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Credit Karma Reviews: Is It Legit or a Scam?

Credit Karma is free. It will allow you to monitor open credit that is on the Transunion credit report. It is a good site to follow your credit trends. The score is a consumer score and is not a real Fico score. It can be lower or higher than your fico score. Is it a scam? No, not at all. Most, if not all, other credit score services offer you a “free” credit score. You’ll notice that when you sign up for their service, they ask for your credit card. And then, a month later, you’ll unsuspectingly get charged. After going back to read the fine print, you’ll notice that free was really only free for the first month, and if you didn’t cancel your subscription, you’ll get a monthly charge. That’s why they asked for your credit card. Not at Credit Karma. They don’t even ask for your credit card. There’s really no way to get screwed on unsuspecting charges with them. How Does Credit Karma Make Money? Credit Karma makes money from sending partner promotions to their subscribers. It is a model based on ad offers from partners. You can elect whether or not you actually want to receive these offers right on the sign-up page under communication preferences.

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